Gross vs net salary: Luxembourg vs Switzerland

Описание: 🇱🇺 Luxembourg vs 🇨🇭 Switzerland — two countries with some of the highest salaries and GDP per capita. One has Alpine lakes and world-famous banks, the other EU institutions and medieval castles. But in 2025, how much do single professionals actually keep after tax and social security?

Let’s dive in.

👉 Swiss numbers are based on Zurich.

🔹 €40.000 Gross Per Year
🇨🇭 Switzerland: €33.552 (CHF 31.626 net)
🇱🇺 Luxembourg: €32.800

➡️ That’s a 16.1% cut in Switzerland and 18.0% in Luxembourg.

🔹 €60.000 Gross Per Year
🇨🇭 Switzerland: €48.882 (CHF 46.076 net)
🇱🇺 Luxembourg: €44.269

➡️ You lose 18.5% in Switzerland and 26.2% in Luxembourg.

🔹 €80.000 Gross Per Year
🇨🇭 Switzerland: €63.200 (CHF 59.572 net)
🇱🇺 Luxembourg: €53.981

➡️ That’s an effective tax rate of 21.0% in Switzerland and 32.5% in Luxembourg.

🔹 €100.000 Gross Per Year
🇨🇭 Switzerland: €76.962 (CHF 72.544 net)
🇱🇺 Luxembourg: €64.073

➡️ You lose 23.0% in Switzerland and 35.9% in Luxembourg.

🔹 €150.000 Gross Per Year
🇨🇭 Switzerland: €108.925 (CHF 102.672 net)
🇱🇺 Luxembourg: €89.137

➡️ That’s a 27.4% tax burden in Switzerland and 40.6% in Luxembourg.

💡 Insights

🇨🇭 Switzerland
Switzerland’s tax system is uniquely decentralized: you pay federal, cantonal, and municipal taxes, and the total varies depending on where you live. Wealthier cantons often offer lower rates to attract talent. Social contributions are capped and relatively low, especially for high earners.

🇱🇺 Luxembourg
Luxembourg uses a steep progressive national tax system. The more you earn, the more aggressively your income is taxed — with rates quickly climbing above 40% at higher brackets. Social contributions for health, pension, and long-term care add up fast.

Switzerland remains milder at higher incomes due to capped pension and health contributions, while Luxembourg becomes heavier with uncapped charges and steep tax progression.

⛰️ Alps or 🏰 Castles — share your pick below 👇

📌 Based on publicly available data and June 21, 2025 exchange rates. Deviations are possible.

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